Banco Santander Balance Sheet Health
Financial Health criteria checks 4/6
Banco Santander has total assets of €1,780.5B and total equity of €102.0B. Total deposits are €1,146.4B, and total loans are €1,097.8B earning a Net Interest Margin of 2.6%. It has insufficient allowance for bad loans, which are currently at 3.1% of total loans. Cash and short-term investments are €400.8B.
Key information
17.4x
Asset to equity ratio
2.6%
Net interest margin
Total deposits | €1.15t |
Loan to deposit ratio | Appropriate |
Bad loans | 3.1% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | €400.76b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SANTA's Assets to Equity ratio (17.4x) is moderate.
Allowance for Bad Loans: SANTA has a low allowance for bad loans (66%).
Low Risk Liabilities: 68% of SANTA's liabilities are made up of primarily low risk sources of funding.
Loan Level: SANTA has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: SANTA's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: SANTA has a high level of bad loans (3.1%).